Amy Smith | VP, IR |
Bruce Broussard | President and CEO |
Brian Kane | CFO |
Joe Ventura | Chief Legal Officer |
Kevin Fischbeck | Bank of America |
Ricky Goldwasser | Morgan Stanley |
Josh Raskin | Nephron Research |
Ralph Giacobbe | Citi |
A.J. Rice | Credit Suisse |
Robert Jones | Goldman Sachs |
Justin Lake | Wolfe Research |
Lance Wilkes | Bernstein |
Scott Fidel | Stephens, Inc. |
Matthew Borsch | BMO Capital Markets |
Steven Valiquette | Barclays Capital |
George Hill | Deutsche Bank |
Dave Windley | Jefferies |
Gary Taylor | J.P. Morgan |
Charles Rhyee | Cowen & Company |
Ladies and gentlemen, thank you for standing by, and welcome to the Humana Fourth Quarter 2020 Earnings Call. At this time, all participants are in a listen-only mode. After the speaker presentation, there will be a question-and-answer session. [Operator Instructions] With that, I would now like to hand the conference over to Amy Smith, Vice President of Investor Relations. Thank you, and please go ahead.